National Head of Digital Deposits

OakNorth

National Digital Deposit Leader responsible for scaling digital deposit products across the U.S. at fintech company.

Posted 6/24/2026full-time🇺🇸 United StatesLeadWebsite

Tech Stack

Tools & technologies

Cloud

About the role

Key responsibilities & impact

Own national digital deposit growth across the consumer segment.
Design and execute acquisition, activation, engagement, and retention strategies with clear growth targets to rapidly build up to $10M per month, scaling to $100M per month within three years.
Develop pricing, promotional, and funding strategies that balance growth velocity with margin and liquidity needs in coordination with the CFO and ALM objectives.
Build and iterate on growth models, forecasts, and KPIs to guide decision-making.
Lead the end-to-end digital deposit product lifecycle—from concept to launch to optimization.
Partner closely with a sister-company’s engineering and design team along with the bank’s core system provider to deliver fast, intuitive digital account opening and funding experiences.
Champion experimentation (A/B testing, rapid iteration, MVP launches) to improve conversion and engagement.
Drive innovation in features such as instant funding, embedded finance, personalization, and self-service tools.
Collaborate with growth marketing to scale performance-based acquisition and lifecycle programs.
Leverage analytics to identify drop-offs, optimize funnels, and increase lifetime value.
Use customer insights and behavioural data to inform product and growth decisions.
Partner with Compliance, Risk, Legal, and Banking-as-a-Service (BaaS) partners to ensure deposit products meet regulatory requirements.
Build scalable processes and controls that support rapid growth without slowing innovation.
Anticipate and manage risks related to fraud, KYC, AML, and liquidity as the platform scales.
Act as the internal owner and evangelist for digital deposits.
Build, mentor, and inspire a lean, high-performing cross-border team as the company grows.
Influence executives and cross-functional leaders with clear strategy, strong data, and decisive execution.

Requirements

What you’ll need

8–12+ years of experience in fintech, digital banking, or high-growth financial services.
Proven experience scaling digital deposit products in a startup or fintech environment including establishing a brand on a national basis.
Strong understanding of deposit economics, pricing, and funding dynamics.
Experience working with deposit aggregators, listing services, and other tools to augment direct account acquisition.
Hands-on experience with digital account opening, onboarding, and growth funnels.
Comfortable operating with ambiguity, speed, and ownership.
Nice to Have: Experience working with BaaS platforms, sponsor banks, or embedded finance models.
Background in growth, product, or data-led organizations.
Familiarity with modern fintech stacks, APIs, and cloud-based platforms.
Prior experience launching or scaling a 0→1 or 1→N deposit product.

Benefits

Comp & perks

This position supports a planned U.S. digital deposit business and is subject to applicable regulatory approvals and business readiness requirements.

ATS Keywords

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Hard Skills & Tools

digital deposit growthacquisition strategiesengagement strategiesretention strategiespricing strategiesgrowth modelsA/B testingdigital account openingKYCAML

Soft Skills

leadershipcollaborationinfluencementoringstrategic thinkingdata-driven decision makingadaptabilityproblem-solvingcommunicationinnovation